This is not uncommon now Neil. When you renew you probably go for quotes to try and get better pricing. They will specifically ask you if you have ever had insurance cancelled, denied or refused for this very reason. As always saying the wrong thing means your new premium is illegal and if ever tested will be cancelled. This leaves you in a deep pit.
Yes, it's why I asked the question. I wasn't quite sure if it was the son who was being denied, or both father AND son.
If the policyholder (the OP) has been refused his own insurance, then this is going to be a major headache.
A friend's son was recently refused insurance, which, as you say, has to be declared. He is now off the road as he cannot find anyone to cover him.
